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Specialty Products
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Homeownership Empowerment Program

  • Up to 96.5% LTV

  • <580 & No Score Options Available

  • Self-Employed: P&L + Bank Statements

  • Asset Qualification

  • 1099 + Bank Statements

  • Experienced and First-Time Homebuyers Accepted

  • Homebuyers with <12-Months / Rent-Free Accepted

  • ITIN/DACA/Non-Perm & TPS Eligible

  • Max 50/60 DTI

  • 1-Day Bankruptcy Seasoning

  • Available in 49 States

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Down Payment Assistance

  • 101.5% Financing

  • No Borrower Down Payment Required

  • No Income Limits or Restrictions

  • Credit Scores Down to 580

  • Manual Underwrites Allowed

  • Non-Occupant Co-Borrowers Allowed

Non-QM Products
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90% LTV Non-QM
Consumer/Business Purpose Full & Alt Doc

  • 80% LTV WVOE Only    ​

  • Consumer & Business Purpose Alt Doc Available

  • Credit Scores Down to 660

  • Reserve Requirements as Low as 3-Months

  • Loan Amounts Up to $3,000,000

  • First-Time Homebuyer Allowed Up to $2,000,000

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DSCR
ITIN/Foreign National/Manufactured Home/Short-Term Rental

  • Up to 85% LTV Available    

  • Credit Scores Down to 640

  • ITIN and Foreign National DSCR Available

  • Manufactured Housing DSCR Allowed    

  • No Ratio DSCR Allowed

  • Short Term DSCR to .75

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ITIN & Low FICO Non-QM Consumer/Business Purpose Full & Alt Doc

  • Up to 90% LTV Available    

  • Credit Scores Down to 640

  • ITIN All Occupancies Accepted

  • Loan Amounts up to $3,000,000

  • Rural Properties Accepted

  • First-Time Homebuyer Allowed up to $2,000,000

Traditional Products
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FHA/FHA EZ/FHA SL

  • Simplified Underwriting with FHA EZ    

  • No FICO Accepted

  • Credit Scores Down to 500

  • Manual Underwrites Allowed

  • Manufactured Housing Allowed

  • 2-1 Buydowns Allowed

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VA/VA HB/VA IRRRL/100% Financing/ Joint & Dual Entitlement

  • 100% Financing

  • No FICO Accepted

  • Credit Scores Down to 500

  • Cash-Out > 90% LTV Allowed

  • Joint & Dual Entitlement Loans Eligible

  • Loan Amounts Down to $50,000

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FHA Reduced Income Documentation
for Wage Earners

  • Simplified Income Documentation

  • Standard and High Balance

  • Credit Scores Down to 580

  • Manual Underwrites Allowed

  • Manufactured Housing Allowed

  • 2-1 Buydowns Allowed

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100% Financing

  • 100% Financing

  • No Borrower Down Payment Required

  • Credit Scores Down to 550

  • Non-Traditional Credit Accepted

  • Manufactured Housing Allowed

  • Manual Underwrites Allowed

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FHLMC/FNMA
(Federal Home Loan Mortgage Corporation)

  • 97% Financing

  • Credit Scores Down to 620

  • Non-Occupant Co-Borrowers Allowed

  • Manufactured Housing Allowed

  • 2-1 Buydowns Allowed

  • Loan Amounts Down to $50,000

Daily Rate Sheets
Traditional Products
Non-QM Products
Daily Rate Sheets
Specialty Products
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3211 Internet Blvd., Suite 300, Frisco, TX 75034

NMLS ID #222730

 1-866-462-4891

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FHA Lender ID: 7906300005
VA Lender ID: 9010450000

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© 2025 Doorway Home Loans, DBA of GenWay Home Mortgage, Inc. Corporate Office is at 3211 Internet Boulevard, Suite 300, Frisco, TX 75034. For Advertisement Purposes Only. All Rights Reserved. NMLS ID # 222730. Tel: 1-888-462-4891. To see the states where the company is licensed and where the DBA is used, please visit www.nmlsconsumeraccess.org. This is intended for industry professionals only and not intended for or directed at consumers. This is not an advertisement to extend credit as defined by TILA/Regulation Z nor an application for credit as defined by RESPA/Regulation X. Credit and collateral are subject to approval. Program and other restrictions may apply. Programs, rates, terms, and conditions are subject to change without notice.

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